| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +9.3% | +5.1% | +4.3 pts |
| Loan growth (YoY) | +0.7% | +5.9% | -5.3 pts |
| ROA | 0.35% | 1.26% | -0.9 pts |
| ROE | 3.8% | 12.2% | -8.4 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.78B | $2.51B | $1.77B | $255.2M | $4.8M | 0.35% | 4.45% | 0.92% |
| Q1 2026 | $2.73B | $2.47B | $1.77B | $253.5M | $1.8M | 0.26% | 4.47% | 0.71% |
| Q4 2025 | $2.72B | $2.45B | $1.74B | $254.8M | $9.9M | 0.39% | 4.56% | 0.77% |
| Q3 2025 | $2.57B | $2.31B | $1.75B | $249.9M | $6.4M | 0.33% | 4.61% | 0.92% |
| Q2 2025 | $2.55B | $2.30B | $1.76B | $241.7M | $4.9M | 0.39% | 4.65% | 0.75% |
| Q1 2025 | $2.54B | $2.29B | $1.76B | $236.0M | $1.8M | 0.29% | 4.66% | 0.67% |
| Q4 2024 | $2.49B | $2.26B | $1.73B | $222.2M | $9.3M | 0.39% | 4.61% | 0.26% |
| Q3 2024 | $2.42B | $2.07B | $1.66B | $230.3M | $6.5M | 0.37% | 4.57% | 0.27% |
Loan mix (Q2 2026): real estate $1.35B · commercial $128.5M · consumer $293.2M · securities $668.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 59.0% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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